Online Banking

Credit Builder Card

Start or rebuild your credit history.

Perfect for a first-time credit card or for those wanting to build credit.

Platinum Secure Mastercard® helps build your credit history with monthly reporting to all 3 major credit bureaus. Plus, there’s no annual fee and no over-limit fee.APR is the Annual Percentage Rate. Platinum Secure Mastercard. No annual fee. Cash Advance fee is 3.00% per transaction. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer subject to change without notice and may end at any time. As of 9/02/2023, the standard variable APR is 18.00%. Foreign transaction fee is 1.00%. All loans are subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures.

Interest Rates & Fees Summary

Interest RateAnnual FeeBalance Transfer Fee
18%APR is the Annual Percentage Rate. Platinum Secure Mastercard. No annual fee. Cash Advance fee is 3.00% per transaction. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer subject to change without notice and may end at any time. As of 9/02/2023, the standard variable APR is 18.00%. Foreign transaction fee is 1.00%. All loans are subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures. $03%Balance transfers are subject to a transaction fee of 3.00% of the total transaction amount.

Benefits & Features

Tap to Pay (Contactless)

Pay in seconds with a tap of your card at a contactless-enabled terminal.

$0 Annual Fee

Delight in no annual fees or minimum finance charges. Hooray!

Paperless Statements

Enjoy access to view and archive your statements online safely and securely with Paperless Statements. No more filing paper statements, worrying about security concerns, or watching them pile up on your kitchen table.

Digital Banking

Enjoy convenient, secure 24/7 access to your accounts right from your computer, tablet, or smartphone. Control your card 24/7, monitor your credit score with Credit IQ, pay bills, send secure messages, make digital payments, and so much more.

Digital Wallet

Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.

$0 Fraud Liability

You won’t be held responsible for unauthorized charges made with your account or account information.Certain restrictions apply. See www.mastercard.us/zero-liability for details.

Authorized User

Share the convenience of your card with another authorized user. When you give them access to your account, they get their own personal card and can enjoy the same perks you do.

Identity Theft Resolution Services

Should you become the victim of Identity Theft, Mastercard will assist you with credit bureau notification and debit card replacement and provide you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to Benefits.

Go Cashless

When you add Apple PayGoogle Pay or Samsung Pay to your credit or debit card, you not only save time at checkout, your payments are safer. Click the logos below for information on how to get started.

Apple Pay
Samsung Pay
Google Pay

Get Started

Apply online in under 10 minutes.
Have questions? Call us at 800.456.3000 or visit your local branch.

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